Does Life Insurance Cover Skiing And Snowboarding?

Life insurance for winter sports, including skiing, snowboarding, and mountaineering, is widely offered by many UK insurers, often at standard premiums.

In most cases, these policies include full protection without exclusions for Critical Illness Cover or Income Protection, provided the activities are recreational and carried out safely.

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How Does Life Insurance For Skiing & Snowboarding Cover Work?

Skiing and snowboarding Life insurance provides a cover amount that is paid out to designated beneficiaries if the policyholder dies.

The cover amount is calculated at the policy outset and funded by regular premiums throughout the life cover.

Skiing Life Insurance Premiums

Life insurance cover is typically offered to holiday and recreational skiers and snowboarders at standard rates. They are unlikely to see any difference in policy premiums over standard rates.

If, however, you participate in higher-risk types of this winter pursuit, it may see a loading of premiums.

From an underwriter’s viewpoint, riskier examples of skiing and snowboarding activities include:

• Freestyle, including mogul and halfpipe
• Competitive Racing, including downhill and slalom
• Off-piste including helicopter
• Professional ski Instructor and guides
• Professional downhill skier or snowboarder
• Mountain skiing

Your premium will be loaded depending on your level of experience, frequency of participation, and the hostility of the environment. Insurance underwriters will consider this on a case-by-case basis.

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Insurance Hero, Your Winter Sport Specialist

Insurance Hero has relationships with underwriters specialising in adventure and action sports, and for those whose profession involves being an outdoor pursuits instructor.

We want to ensure that your premiums are competitive and accurately reflect the extent of your skiing activities. We don’t want you to pay unnecessary loaded premiums.

Our team of experienced brokers will talk you through an accurate fact-finding questionnaire to fully understand the extent of your activities.

We will then pass this on to the underwriters to provide a quote tailored to your circumstances.

Insurance Hero has a team of brokers experienced in providing life insurance cover for skiing and snowboarding. For a no-obligation quote, please call 0203 129 8866.

Other Types of Life Cover

Life insurance only pays out if the policyholder dies. Two different types of life cover are critical illness and income protection. These two types of cover are not dependent on the policyholder passing away to pay a lump sum cover amount.

Skiing & Snowboarding Critical Illness Cover

This cover is useful if you are involved in an activity or profession with specific illnesses that are associated with it.

Skiing and snowboarding both have a history of fractures and brain injuries resulting from falls.

Critical illness pays a lump sum should you survive at least ten to fourteen days from diagnosis. The lump sum results from paying regular premiums into a fixed-term policy. 

Critical illness cover comes with a standard list of illnesses. If you are involved in skiing, diseases prevalent in this sport can be on the cover list at the outset of the policy.

For illustration purposes, the standard list of serious medical conditions includes:

• Systemic lupus erythematosus
• Surgical intervention for structural heart abnormalities
• Myocardial infarction (heart attack)
• Amputation or permanent loss of a hand or foot
• Paralysis affecting one or more limbs
• Parkinson’s disease or a similar degenerative movement disorder
• Admission to an intensive care unit requiring life-support treatment
• Cerebrovascular accident (stroke)
• End-stage liver failure
• End-stage renal (kidney) failure
• Severe or traumatic brain injury

With our experienced team of brokers, Insurance Hero is here to provide quotes for critical illness for snowboarders and those involved in riskier sporting activities. For a fast and free quote, call 0203 129 8866 now.

Skiing & Snowboarding Income Protection Cover

If you cannot work for a long time, perhaps due to a snowboarding accident.

• Do your employers still pay your salary?
• Do you have financial obligations such as loans?
• Is your family dependent on your salary as the primary breadwinner?

These are valid reasons for taking out income protection cover. You should be able to enjoy your snowboarding or skiing activities in the knowledge that if an accident stops you from working, you will be financially secure.

Income protection cover provides a regular, pre-determined salary if you cannot work. Following a claim, the wage is provided from one month to one year (depending on how long your employer pays your salary).

Financial commitments can include, but are not limited to, the following:

• Personal loans
• Outstanding mortgage
• Credit card debt
• Equity release loans
• Hire purchase agreements
• School fees
• Contract hire arrangements

Don’t delay in protecting yourself and your loved ones. Contact Insurance Hero today for that little peace of mind as you enjoy your skiing and snowboarding activities.